Add your first account

Step 2 of the Quick start. You are signed in with a verified email and no accounts yet. By the end of this page you have one account you created by hand.

Right after sign-up, Tovari walks you into onboarding and asks for accounts first — so you may meet this screen before you ever see the dashboard. The steps below work identically from onboarding and from the Accounts screen later.

The five account types

Every account you create is one of five types: Checking, Savings, Investment, Credit Card, or Loan. The type is not cosmetic. It decides which group the account is filed under, which fields the editor offers you (a rate for deposit accounts and cards, a credit limit for cards), whether the balance counts as an asset or a liability, and — as Understanding Safe to Spend explains — whether the account can ever count toward your Safe to Spend number.

Investment behaves differently from the rest once you link it to a brokerage: Tovari shows the value the brokerage reports rather than a running balance you reconcile, and opening the account shows its value history instead of a transaction list. See Investment accounts linked to a brokerage.

The four groups

Accounts are grouped, never mixed into one flat list:

Group	Holds
Cash Accounts	Checking and savings
Investments	Investment accounts
Credit Cards	Credit cards
Loans	Loans

Every type lands in exactly one group, so nothing can go missing from the list. The two platforms order the groups differently — see the tabs.

Web

Add the account

1. Go to Accounts in the left navigation.
2. Press Add Account in the header. A small chooser offers Connect a bank and Add manually.
3. Choose Add manually. The Add Account dialog opens.
4. Fill in the form:
   • Account Name — required. The placeholder suggests something like Everyday Checking.
   • Account Type — required. Pick one of the five types.
   • Bank (Optional) — the institution’s name, for your own reference.
   • Account Number (Optional) — the last few digits only. Tovari does not check it for uniqueness, but it is not inert: it is searchable, and it is one of the clues Tovari uses when it spots a movement between two of your own accounts. Enter it accurately if you know it.
   • Starting Balance (Optional) — the balance the account holds today, before you record anything in Tovari.
   • APY (Optional) on a checking, savings, or credit card account, and Credit Limit (Optional) on a credit card (used to show your utilization).
   • Include in Safe to Spend — shown only for checking and savings. A new checking account arrives with it on; savings arrives off.
5. Press Add Account.

The account appears immediately under its group heading, and the header tiles — Total Assets, Total Liabilities, Net Worth — update.

Group order and layout

The web Accounts screen lists the groups in this order:

Cash Accounts → Investments → Credit Cards → Loans.

Each group is a collapsible section. You can drag accounts to reorder them, but only within one section — dragging cannot move an account between groups, because the group is decided by the account type. Collapsing a section is a per-visit convenience; it is not remembered between sessions.

Editing and closing

Click an account to open its detail panel and change any field. Closing an account uses Close Account in the account editor — it is a soft close: history is preserved and the account is archived out of your list rather than deleted.

Mobile

Add the account

1. Open the Accounts tab in the bottom tab bar.
2. Tap the Add account control in the screen header. (On a first run, the empty state offers Connect a Bank and a manual path directly.) The Add account sheet slides up.
3. The top of the sheet is the recommended Connect a bank card. Below the divider marked OR TRACK IT MANUALLY is the manual form.
4. Fill it in:
   • Account Type — a row of chips; tap one.
   • Account Name — placeholder Everyday Checking.
   • Bank and Last 4 — side by side, both optional.
   • Starting Balance.
5. Tap Add Account at the bottom of the sheet.

During onboarding the same sheet is reached from Add an account on the accounts step.

What differs from the web

• Group order. The native Accounts screen orders the groups Cash Accounts → Credit Cards → Loans → Investments, and it hides the Investments group entirely until you have at least one investment account. The web keeps Investments in second place at all times. The grouping itself — which type lands where — is identical.
• No Safe to Spend switch in the editor. The add sheet sets the flag for you from the type you pick (checking on, everything else off), and the Edit account sheet has no toggle for it. To change an account’s Safe to Spend inclusion after it exists, use the web app.
• The editor is a sheet (Edit account), not a side panel, and it carries Bank, Last 4, Credit Limit, and APY as the type allows.

Where you are now

You have one account with a starting balance and no transactions in it. You can repeat this page for every account you want to track by hand — or let the bank fill one in for you, which is the next page: connect a bank with Plaid.